First, establish a correct concept of consumption.
With the development of social economy and the improvement of people's living standards, people's consumption concept, consumption structure and consumption level have changed greatly. As a special consumer group in society, college students are increasingly diversified, advanced and modernized under the influence of social background.
Experts pointed out that students' consumption should be coordinated with the level of social and economic development and family affordability. When shaping college students' consumption view, we should first start with the cultivation of college students, and take the education of consumption view as an important content of college students' cultivation. In the topic of college students' consumption, the use of credit cards by college students is controversial. Some people think that using credit cards can easily encourage college students to spend, and even make them develop bad consumption habits. Limited by the repayment ability, once the credit card debt cannot be repaid, it will definitely affect the study and life, and even cause economic pressure to the parents of students.
In this regard, experts suggest that college students who use credit cards should develop good personal financial habits, starting with paying attention to statements. As long as you pay attention to your statement, you can find something. Reports should be managed centrally to facilitate analysis, and summary tables should be made when you have time. On the one hand, you can observe your own consumption behavior, whether it is reasonable and whether it can be improved; On the other hand, we can observe whether interest expenses occur, that is, generate costs, and learn how to calculate credit card interest to avoid unnecessary expenses as much as possible.
Experts point out that the maturity of college students' consumption concept is an important part of their adulthood and success. It needs the efforts of the whole society to help college students set up a correct consumption view, and colleges and universities should play a major role in helping college students set up a correct consumption view and cultivate scientific financial management ability. At the same time, parents should also shoulder enough responsibilities to guide college students to establish a consumption concept of living within their means before they formally enter the society.
Second, financial management is not just an investment.
College students are closely related to society. Due to the progress of society and the enhancement of college students' consumption consciousness, many people have noticed the importance of school financial management. Some college students are eager to try investing during their school days, hoping to accumulate financial knowledge as soon as possible and help them profit from investment in the future.
Financial experts point out that the starting point of establishing the concept of financial management early is correct, but before investing in financial management, college students should make it clear that financial management and investment are two different things: the purpose of financial management is to achieve financial freedom, which is to ensure that they can maintain a normal life through investment without a fixed income source, but whether you live well or not depends on your own nature. The purpose of investment is to increase one's income or assets. The general idea seems to be the same, but due to different purposes, strategies and means are also different. Therefore, college students must find out what their purpose is.
So, how should college students establish a correct concept of financial management? Experts believe that college students should actively learn scientific and reasonable investment and financial management knowledge and cultivate good financial management habits. At the same time, college students' personal financial management can't forget a premise, that is, they can't affect their studies and courses, and they can't be overly addicted to financial management and investment. In addition, we should be psychologically prepared for financial management. Financial management is not as rich overnight or once and for all as many college students think. Financial management requires long-term efforts, great patience and perseverance, and can't be quick and quick.
In addition, college students can also attend lectures on knowledge related to the wealth management industry in their spare time and get more exposure to investment information in practice. It is suggested that college students should start with basic investment and financial management tools such as stocks, funds and bonds, and pay attention to financial management information from the basic knowledge. After being familiar with its characteristics and methods, they can use their idle funds for practical experience, but the most basic principle is to find suitable investment tools and adhere to a sound financial management strategy.
Third, use insurance to transfer risks.
Nowadays, it is difficult and expensive to study in society, and it is not easy for a family to support a college student. Maybe by the time they graduate from college, their parents will have white hair. For college students, all life is just the beginning, and risk accidents are everywhere in life. If anything unexpected happens, it will be a heavy blow to yourself and a great disaster to your parents. Therefore, college students should have their own insurance plans, do a good job in safety protection, pass on risks, and let themselves embark on the road of struggle with more protection, which is also a responsibility to their parents.
So, how do college students buy insurance products? Experts believe that the school is a relatively safe environment, and you can design long-term insurance plans according to the different living environments you will face. However, entering the society in the future will involve more risks than the school. Therefore, college students should arrange the insurance order reasonably according to their own situation. The order of buying insurance is: accidental injury, medical treatment, serious illness, hospitalization and investment and financial management.
Experts pointed out that for college students, Shoubao should choose to buy accident insurance. Compared with other insurances, the premium of accident insurance is not high, and it is an economical choice for young people who are about to enter the society. In addition, while insuring accident insurance, it is best to attach insurance for unexpected medical expenses.
What should college students do besides accident insurance? The function of insurance is protection? Of course, accident insurance is the first choice, but it only bears the responsibility of accidental injury, and does not bear the obligation to pay for other insurance accidents such as death caused by illness, which makes the insurance coverage limited, while life insurance is relatively comprehensive. It is a kind of insurance that takes the life and death of people as the subject matter of insurance. If the insured survives or dies during the insurance liability period, the insurer shall pay the insurance money according to the contract. According to the guarantee period, it can be divided into term life insurance and whole life insurance. From the perspective of financial management, it is more cost-effective to buy term life insurance than whole life insurance, and young people choose term life insurance, which is lower in cost and more cost-effective. Of course, if parents with better family conditions plan insurance for college students, they can make full use of the characteristics of children's young age and low rates, and match the necessary protection and even some savings plans for their children in the budget according to family financial arrangements.